Mr. Justice A.L. Bahri, President—Ravi Kumar, Complainant in this complaint filed under the provisions of Consumer Protection Act claims a sum Rs. 8,78,392/- as per details given in the complaint as damages suffered by him on account of accident caused to the truck which was insured with the Opposite Party for a total sum of Rs. 3,50,000/-. The accident took place on April 3, 1993. Truck No. HIC-727 which was insured, after meeting with accident, fell into a deep Khad. First Information Report was lodged in Police Station Ram Ban. Simultaneously intimation was given to the Opposite Party, the Insurance Company. A Surveyor was appointed to visit the spot and he reported total loss of the truck. Second Surveyor was appointed who assessed Rs. 2,85,000/- as damages on July 24, 1993. The amount was not paid to the Complainant by the Company, in spite of several reminders. In order to avoid litigation, the Complainant agreed to the aforesaid amount before the Surveyor. The period of insurance as contemplated under the policy was from April 15, 1992 to April 14, 1993. Particulars of policy are given in the complaint. Further details of the amount claimed were also given, such as reco